Relationship Manager – Commercial Property / Real Estate Lending - London – Permanent – Ref: 25037

Howard Lock Consulting Ltd; London; Hybrid; GBP 50,000 - 70,000; Full time

Job summary

A leading company in the financial services sector is seeking a Relationship Manager specializing in commercial property and real estate lending. This role involves managing client portfolios, providing expert advice on lending options, and ensuring compliance while building strong partnerships in a dynamic environment. The ideal candidate will possess a solid background in real estate lending, with proven experience in relationship management and analytical skills.

Benefits

Competitive base salary

Generous performance bonus

Fully expensed travel

Qualifications

• 3–5 years’ experience in commercial real estate lending.
• Solid understanding of bridging finance.
• Sharp analytical skills with confidence in financial statements.

Responsibilities

• Originate, structure, and manage a portfolio of real estate clients.
• Conduct detailed credit assessments and cashflow analysis.
• Maintain and deepen relationships with borrowers and intermediaries.

Skills

Relationship management

Analytical skills

Negotiation

Stakeholder engagement

Job description

Relationship Manager – Commercial Property / Real Estate Lending - London – Permanent – Ref: 25037

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Relationship Manager – Commercial Property / Real Estate Lending - London – Permanent – Ref: 25037

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Job Title: Relationship Manager x 3 roles

Role Type: Permanent or contract options

Location: London / Manchester / Birmingham – hybrid working

Job Ref: Ref: 25037

Overview:

We’re seeking a dynamic and commercially astute Relationship Manager with a solid background in commercial real estate lending to join our growing team. This is a pivotal role for someone who thrives on building lasting relationships, navigating complex lending structures, and delivering value-driven solutions.

Key Responsibilities:

• Originate, structure and manage a portfolio of real estate lending clients, with a focus on mid-sized to large commercial investments and development finance.
• Provide expert guidance on bridging loans, ensuring swift and compliant execution.
• Maintain and deepen relationships with borrowers, intermediaries, and professional advisors.
• Conduct detailed credit assessments, cashflow analysis, and valuation reviews in collaboration with credit and risk teams.
• Lead negotiations on terms, covenants, and deal structures that align with risk appetite and regulatory requirements.
• Monitor loan performance, proactively managing maturities, refinancing, and potential recoveries.
• Identify cross-sell opportunities and contribute to wider business development strategies.

Candidate Profile:

• 3–5 years’ experience in commercial real estate lending, with demonstrable deal execution track record.
• Solid understanding of bridging finance – both regulated and unregulated – and its application in short-term lending scenarios.
• A relationship-first mindset, with a natural ability to earn client trust and loyalty.
• Sharp analytical skills with confidence interpreting financial statements, property valuations, and market trends.
• Familiarity with credit and compliance frameworks in the UK lending market.
• Strong communication, negotiation and stakeholder engagement skills.

What’s on Offer:

• Competitive base salary with generous performance bonus
• Opportunity to influence and grow a focused portfolio in a collaborative, agile environment
• Work across vibrant UK cities with fully expensed travel as needed

Seniority level

• Seniority level

  Mid-Senior level

Employment type

• Employment type

  Full-time

Job function

• Job function

  Customer Service and Business Development

• Industries

  Banking and Financial Services

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